One of the most important things a Fibromyalgia sufferer can do is to know their Long Term Disability policy.
Long Term Disability policies can exclude or limit claims involving Fibromyalgia or Chronic Fatigue. Some of these policies will actually exclude or limit the disease by specifically saying that Fibromyalgia of Chronic Fatigue is either excluded or benefits are limited to two years.
Other policies will hide this limitation by using terms that limit Long Term Disability benefits for conditions that are primarily based on “self reported” symptoms.
Unfortunately, the Long Term Disability policy doesn’t define “self reported.”
Knowing what is in your policy can mean the difference between a twenty four month benefit period and a lifetime of benefits.
If you suffer from Fibromyalgia or Chronic Fatigue and have a Long Term Disability policy, it is important that you understand the terms of your policy. Nancy Cavey, your Tampa Bay Florida based Long Term Disability attorney, has represented many individuals who suffer from chronic fatigue or Fibromyalgia. For a free, no obligation review of your Long Term Disability policy contact Fibromyalgia disability denied attorney Nancy Cavey.